Why Do I Need To Check My Credit Report? Learning the basics of the credit report process, and keeping your credit report free of errors, is essential to good financial health. Credit bureau collects, maintains, and provides your report to landlords, businesses, and employers who need to check your financial responsibility. It’s wise to check your credit report frequently for signs of fraud. If someone obtains your social security number, only a few additional pieces of information are necessary to commit fraud in your name. Common types of identity theft include fraudulent bank accounts, credit cards, utilities, and loans. According to the FTC, victims of identity theft spend an average of 175 hours and 0 to clear their names. Early detection is the key to avoid suffering long-term financial consequences. What is a Credit Score? Your personal credit score is a number from 349-849 which stands for your credit risk. The higher numbers are considered less likely to default. Credit scores come from mathematical formulas that measure many variables in your credit report such as payment history, public records, and debt to income ratio. Why Do I Need To Check My Credit Score? A good credit score is your passport to competitive interest rates for mortgages, cars, credit card offers, job offers, insurance premiums and more. A strong score is worth money because it saves you excess costs, so don’t ignore it. For example, see how a fixed 30-year mortgage payment varies …
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www.CreditCardMetro.net instant decision credit cards instant approval credit cards The best time to apply for a credit card is when you don’t really need it. Prudent use of a credit card will help build your good credit history. Are you tough enough to use a credit card without going broke? Take the credit card challenge today? The Credit Card Act of 2009 is about to make it more difficult to get credit on February 22, 2010 if your between the age of 18 and 21 years old. Beat the credit card crunch and apply today, because tomorrow may be to late! Use a credit card responsibly and pay it off by the end of each statement period to avoid the penalties and finance charges that lead to bad debt and poor credit scores.
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With all of these efforts combined, based on the information I’ve given, where could I expect to see my credit score in two to three months, assuming I pay all my current bills on time, etc? The thing is, I am trying to apply for a carecredit card for my dental work. I was already denied, so I am hoping that if I raise my score some, I could get approved.

Best answer:

Answer by Huntsman
Doing the pay on delete will be extremely beneficial for your credit
Just google Pay on Delete – make sure you do it right
It could take 60 days for your credit reports to update after your payment clears
The secured card will not bring much benefit, since it can take 1 to 2 years to develop a payment history

Add your own answer in the comments!

Tracing my memory back, there was a bank I had about 4 years ago and even though the overdraft was small, it eventually racked up to 200 – 300 dollars. And yet I’ve never been called about paying a debt back.

I also have noted that I have never received any junk mail regarding “You’ve been pre-approved for a credit card!” I checked my credit score, and it’s about 540.

Where would I go and who would I call to pay them back? And when I pay back this debt of about 300 or so, would it immediately open me up for a credit card and build up my credit score? I also heard there’s ways to quickly build up your credit score with 3 credit cards? (probably 3 times harder, as well) Also, what would happen if I were to get a credit card, but never use it.

Best answer:

Answer by Calvin C
with that score you are not getting a CC even after you pay the bill. Best cheapest way to establish credit is a secured bank loan pay off over 7 months and repeat. Getting a CC to start your file is stupid never using the CC does nothing for you You are looking at about 3 years to get to a decent score

Know better? Leave your own answer in the comments!

In the course of a busy day, you may write a check at the grocery store, charge tickets to a ball game, rent a car, mail your tax returns, change service providers for your cell phone, or apply for a credit card. Chances are you don’t give these everyday transactions a second thought. But an identity thief does. Identity theft is a serious crime. People whose identities have been stolen can spend months or years and thousands of dollars cleaning up the mess the thieves have made of a good name and credit record. In the meantime, victims of identity theft may lose job opportunities, be refused loans for education, housing, or cars, and even get arrested for crimes they didn’t commit. Humiliation, anger, and frustration are among the feelings victims experience as they navigate the process of rescuing their identity. Working with other government agencies and organizations, the Federal Trade Commission (FTC) has produced this booklet to help you remedy the effects of an identity theft. It describes what steps to take, your legal rights, how to handle specific problems you may encounter on the way to clearing your name, and what to watch for in the future.

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To view the entire webcast visit www.statsoft.com Applying data mining to accurately predict customer behavior offers businesses advantages across a wide range of functional areas, from marketing applications such as loyalty and churn/attrition management to credit risk management and overall business strategy. In this Webcast, we will use credit scoring as an example of how existing customers past behavior improves predictions about their probability of default. Customers are initially scored when they apply for a credit card and are evaluated again when a subset of customers apply for extended credit. For the extended credit evaluation, the customer′s transactions are used to improve the initial score. The Webcast will also show that a similar approach is effective to predict customer churn and marketing campaign response.
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